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ApprovalAI
Illustration of a person with a cat holding a house

BACKED BY Y COMBINATOR

Easiest way to get
the Best Home Loan

Your AI handles the mortgage maze from start to finish.

Easy Process - Fill One Form. For All Banks.

Easy Process

One Form. All Lenders.

Big Savings with AI Negotiations

Big Savings

AI-assisted Negotiation

Zero Spam - Absolute Peace of Mind

Zero Spam

Peace of Mind

OVERVIEW

How It Works?

Three simple steps. One powerful AI assistant.

Fill One Form
STEP 1

Fill One Form

Gather your information and fill just one form. Your AI handles the rest.
AI Applies & Negotiates
STEP 2

AI Helps Shop & Negotiate

AI helps you shop and negotiate with lenders so you don't have to lift a finger.
Pick The Best Deal
STEP 3

Pick The Best Deal

Review personalized offers and choose the one that fits you best.
AI AGENT

Your Personal Home Loan Assistant

Ask your assistant anything about home loans or Approval AI

"What are discount points?""How does Approval AI work?""What's pre-qualification vs. pre-approval?"
SAVINGS

This is why you shop around

Assuming a 30-year fixed home loan at current market rates

$48,000
Lifetime Savings
$300,000
$800,000
Loan Amount
$2M+
PRODUCT FEATURE

Your AI
Deal Maker

Use our AI to call, email, text, and negotiate with lenders to get the best deal without the awkward phone calls or industry jargon. Spend more time on the fun stuff, like picking out throw pillows instead of comparing origination fees.

AI Deal Maker illustration
One Application All Banks illustration
PRODUCT FEATURE

One Form.
All Lenders.

No duplicate paperwork. No portal-hopping. Fill out just one form and use our platform to shop it around to banks, credit unions, and other lenders like it's Black Friday. Your data stays private until a lender earns the right to see it.

Apply Now
PRODUCT FEATURE

Smart Help,
Human Touch

Use our AI assistant for instant answers, 24/7. And when things get more complex, a real human expert is just a message away. No more mortgage advice from Reddit threads or ChatGPT rabbit holes, just real answers from people who get it.

AI Support Human Backup illustration
Zero Spam Promise illustration
PRODUCT FEATURE

Zero Spam.
Promise.

We hate spam too. We won't sell your info, and we'll help you avoid cold calls, spammy emails, and "just checking in" texts from lenders. We're here to help you get the best deal. Nothing more, nothing shady.

Get the Best Deal
SECURITY

How We Protect Your Data

It's safe, private, and under your control.

Fill One Form

Bank Level Encryption

Same encryption as your bank (AES-256, TLS 1.2+) to keep your data secure.
Fill One Form

We Don't Sell Your Data

Your data is never sold. Your AI only shares it with lenders you choose.
Fill One Form

Private By Default

We don't use your personal information to train or improve our AI.
FAQ

We get these a lot

Understanding how Approval AI works for you.

Approval AI was founded by a team of first-time homebuyers who experienced the challenges of the mortgage process firsthand. We built Approval AI to:

  • Make the mortgage process radically simpler
  • Enable one application for multiple lenders
  • Provide smarter shopping for better deals
  • Eliminate the chaos of traditional mortgage processes

Approval AI is available to borrowers in all states across the US.

Our platform provides information about various lenders:

  • Access information about major banks and financial institutions
  • Discover local banks and credit unions in your area
  • Learn about different types of mortgage lenders
  • Research and evaluate lender options independently

You can use our platform to explore additional options:

  • Research and compare rates from other lenders
  • Access tools to evaluate different loan terms
  • Organize and track multiple loan offers
  • Make informed decisions about your mortgage options
CONTACT US

Get hassle-free loans

We'd love to hear from you.

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LEGAL DISCLAIMER: Approval AI ("we," "our," "us") is a technology platform that enables users ("you," "borrowers," or "consumers") to independently explore, organize, and manage the mortgage process. Approval AI is not a mortgage lender or broker. Our technology will help educate you about the mortgage application and shopping process and help you identify, collect and prepare your personal financial information for your use in a potential mortgage application, but we do not take formal mortgage applications from our users or provide them to mortgage lenders on your behalf; nor do we offer or negotiate loan terms, make, or arrange loans on your behalf. We do not receive compensation from lenders or other third parties for referrals or loan-related activities, nor do we recommend or endorse any lenders, loan originators, or loan products. You are solely responsible for reviewing, completing, and submitting any application materials to a lender of your choice, and ensuring the accuracy, veracity, completeness and authenticity of any such documents and information. All information provided to you by Approval AI is for informational purposes only and should not be interpreted as legal, financial, or mortgage advice. Use of our platform is at your own risk, and we strongly encourage consulting licensed mortgage professionals before making loan decisions. This disclaimer may be updated without notice.